Queensland Country Health Fund summary

Queensland Country Health Fund is a regional-based health fund with 50,000-plus members across Australia. It was established in 1977, and is part of the member-owned Queensland Country Group, which also has the Queensland Country Credit Union.

Territory Health Fund is Queensland Country Health Fund's brand for the Northern Territory.

Is Queensland Country Health Fund nonprofit?

Does Queensland Country Health Fund get many complaints from members?

Queensland Country Health Fund complaints rating: Low

When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints.

The ratings are Low, Medium and High. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size.

How good is Queensland Country Health Fund's gap cover?

A medical gap is the difference between Medicare's recommended fee and what your doctor actually charges for a treatment or service.

Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called 'no gap agreements', or part of that gap, which are called 'known gap agreements' (these will have lower out-of-pocket costs, usually less than $500).

Our graphic below displays the CHOICE gap rating, which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.

Rating scale

Above average

Average

Below average

Well below average

We also display the percentage of medical services that Queensland Country Health Fund covers with no gap, and compare it to the industry average. The higher the percentage, the more effective the fund's gap scheme is in a state or territory.

Tasmania (Tas)

Northern Territory (NT)

How many hospital agreements does Queensland Country Health Fund have in my state?

The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you're treated.

The table below shows how many hospital agreements Queensland Country Health Fund has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don't have agreements with specific funds and are generally treated as though they're agreement hospitals.

Does Queensland Country Health Fund offer any discounts?

Does Queensland Country Health Fund offer ambulance cover?

Queensland Country Health doesn't cover emergency ambulance in Victoria, Western Australia or South Australia.

Emergency ambulance cover is included in hospital and combined policies in the Northern Territory. Cover is capped at one emergency service per person per membership year. No air ambulance.

Do you need ambulance cover?

Depending on where you live, you may not need a policy with ambulance cover.

In Queensland or Tasmania, emergency ambulance services are covered by your state government.

In NSW and the ACT, all hospital policies come with emergency ambulance cover – so you'll be covered with any hospital or combined policy you select.

In South Australia, Victoria and the Northern Territory you can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance in your state or territory or refund at least part of the cost of the ambulance service cover.

Rural WA: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance or refund at least part of the cost of the ambulance service cover.

Metropolitan WA: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance cover.